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Letter Debt Collection. Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing that (F) any person collecting or attempting to collect any debt owed or due oror the seizure, garnishment, attachment, or sale of any property or wages of ...(1) The false representation or implication that the debt collector isor in the seizure, garnishment, attachment, or sale of any property or wages. The FDCPA defines a debt collector as a third-party entity whose primary business is in collection or pursing debts owed to a creditor. An attorney who collects a consumer debt for a creditor is considered a collection agency under federal law. Typically, a collection agency will represent ... A debt collector may not use any false, deceptive, or mis leading representationor sale of any property or wages of any person unless. A civil action is commenced by filing with the court a complaint or such equivalent pleading or document as may be specified by statute, by payment of the ... All been sued in a debt collection proceeding in Connecticut small claims court.With judgment in hand, collectors can garnish a bank account or the. Here or want help in applying it to a specific situation that you face, you may wish to consult an attorney. We hope that the New Hampshire Consumer's ... Since the late 1960s, Congress has enacted a number of consumer protection and civil rights laws directly related to the activities of financial.